USDC

coinfeeds-bot

tldr; Ripple's RLUSD stablecoin has surpassed a $1.3 billion market cap, achieving a 1,278% year-to-date growth. This surge is driven by a strategic multi-chain deployment across Ethereum and the XRP Ledger, enhancing accessibility and functionality. Partnerships with Gemini and Mastercard have further integrated RLUSD into institutional payment systems, positioning it as a competitor to USDT and USDC. Analysts highlight the benefits of Ripple's interoperable approach, which aligns with industry trends favoring scalable, cross-chain solutions. *This summary is auto generated by a bot and not meant to replace reading the original article. As always, DYOR.

uthillygooth

Maybe my USDC will triple in price finally

NorskKiwi

IIRC I'm paying around 2% to loan bnUSD via Balanced Network. Can use ETH, SUI, SOL, AVAX, XLM and a bunch of other assets as collateral. You could then swap it on their DEX to native USDC on any of those chains.

VivaHollanda

Maybe because the people providing the USDC want a juicy APY? 

coinfeeds-bot

tldr; Stablecoin market caps, including USDT and USDC, have risen steadily, reaching new highs, but the broader crypto market has not grown proportionally. Factors include increased use of stablecoins for cross-border remittances, cautious investor sentiment, and a shift toward leveraged trading over spot accumulation. While stablecoins are seen as 'dry powder' for the market, much of their supply is absorbed into real-world applications rather than speculative trading, limiting their impact on Bitcoin and altcoin prices. *This summary is auto generated by a bot and not meant to replace reading the original article. As always, DYOR.

Someonethebest

I’d look at Trustee Plus, works in the EU, free to set up, and you can spend USDC without going through an exchange card program. Been the simplest option for me after Bybit and Nexo started limiting stuff.

coinfeeds-bot

tldr; The Commodity Futures Trading Commission (CFTC) has launched a pilot program allowing bitcoin (BTC), ether (ETH), and USD Coin (USDC) to be used as collateral in U.S. derivatives markets. The initiative aims to establish clear rules for tokenized collateral, including real-world assets like U.S. Treasuries. Futures commission merchants meeting specific criteria can accept these digital assets as margin collateral under strict reporting and custody requirements. The program updates outdated guidance and aligns with the GENIUS Act to modernize digital asset regulations. *This summary is auto generated by a bot and not meant to replace reading the original article. As always, DYOR.

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Post is by: MarketFlux and the url/text [ ](https://goo.gl/GP6ppk)is: /r/CryptoMarkets/comments/1phs6d7/cftc_launches_pilot_program_allowing_bitcoin/ The Commodity Futures Trading Commission has launched a new digital-assets pilot program that will allow Bitcoin (BTC), Ether (ETH), and Circle’s USDC stablecoin to be used as collateral in derivatives markets, marking one of the most significant steps yet toward integrating cryptocurrencies into regulated U.S. financial infrastructure. Acting Chair Caroline Pham announced the initiative as part of the CFTC’s Tokenized Collateral Program, which aims to test how digital assets can be safely incorporated into margin, settlement, and risk-management workflows across futures and swaps markets. The pilot will run within a controlled regulatory framework and will require participating firms to meet strict operational, cybersecurity, and reporting standards. *I am a bot, and this action was performed automatically. Please [contact the moderators of this subreddit](/message/compose/?to=/r/CryptoMarkets) if you have any questions or concerns.*

MinimalGravitas

Almost 70% of stablecoin value is in USDC, about 28% is USDC, and about 1.4% is PYUSD (Paypal's stablecoin). All the others are tiny fractions of a percent. About 60% of all stablecoins live on Ethereum L1, about 30% are on Tron, and the remaining 10% is divided up between other L1s like Solana and Avalanche, and Ethereum L2s like Arbitum and Base. https://visaonchainanalytics.com/supply

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Post is by: Responsible-Care-709 and the url/text [ ](https://goo.gl/GP6ppk)is: /r/CryptoMarkets/comments/1ph0ug8/are_my_clients_being_scammed/ Hello all Crypto enthusiasts, I’m a financial planner based in Australia and I have a couple (70 years old) who have ran into a bit of an issue. Essentially, the couple have a CoinBase account in which they have $693,273.92 (AUD) held in a fund called ‘Zether’ (USD.Z). I asked how they managed to get ahold of these funds but my question was answered with asking if they could pop into the office tomorrow morning to get it sorted. The issue is, Zether is on the BNB Chain (BEP-20) and it seems like Coinbase doesn’t support this particular network. The issue becomes even more apparent because you can’t trade Zether on CoinBase either. My line of thought was for the couple to open a Coinbase Wallet account and then link the Wallet with their regular Coinbase account, get the Zether into the Wallet, make use of pancake swap to change from BEP-20 to ERC-20 and then change from Zether to USDC before transferring it all back into the regular Coinbase account and then depositing into the bank account. On this basis though, I have a few questions: Q1. Are my clients being scammed? (ChatGPT seems to think so) Q2. Is Zether a legit cryptocurrency? (I’ve never heard of it before) Q3. Would my plan of attack actually work? (Fees/taxes don’t matter, just want it sorted) Hopefully someone in the know is able to help me out. For any fellow financial planners or regulatory bodies listening, AML/CTF obligations are at the front of mind. *I am a bot, and this action was performed automatically. Please [contact the moderators of this subreddit](/message/compose/?to=/r/CryptoMarkets) if you have any questions or concerns.*

coinfeeds-bot

tldr; French banking giant BPCE is set to launch in-app crypto trading for retail customers, starting with four regional banks and expanding to its full 12-million customer base by 2026. Users will be able to trade Bitcoin, Ether, Solana, and USDC directly within Banque Populaire and Caisse d’Épargne mobile apps. The service, managed by BPCE’s crypto subsidiary Hexarq, includes a monthly fee and trade commission. This move positions BPCE among the first major European banks to offer integrated crypto trading, competing with fintechs and other banks offering similar services. *This summary is auto generated by a bot and not meant to replace reading the original article. As always, DYOR.

kshucker

Not wrong as far as the price history of bitcoin goes. You made the right choice in my opinion. My gameplan through the cycles has been to sell around this time after a bitcoin halving, turn to USDC and then buy back into mainly BTC and dabble in ALT’s in about 2 and a half years after I sell. Has never failed me.

MarduckRulez

The best way to trade on the Cosmo Network is to get a wallet (Leap, Keplr, Station) send that Luna over to the Luna wallet address, then IBC into the Osmosis wallet. You can exchange coins with a fraction of the spread from Uphold. You will have to have a little Osmo for gas fees. In the Osmosis wallet, you use the DEX to change your Luna into Noble USDC (backed by Circle) stable coins or a multitude of coins on the Cosmo Network. Stake, DeFi and all that jazz. Turn your coins back to Luna, IBC to Luna wallet address, then send back to your Uphold account and off ramp to bank account.

Bubblebau

For decades the dollar was: - a store of value - the main currency of world debt - the main trading currency. Many speculate that the dollar will collapse because: - the American debt is enormous and to pay it the currency will have to be devalued - there is an ongoing trade war with China and a weak dollar helps exports - America is losing its central role, and at least two commercial "factions" are being created, one that gravitates around the USA, and one that gravitates around China. If the dollar were to collapse, go back to the needs I wrote at the beginning and you will see the solutions - Store of value: gold, silver, perhaps platinum. To a lesser extent also copper and other commodities, because other commodities depend a lot on the quantity of industrial production, and a dollar crisis would create a crisis in consumption and industrial production. So gold and silver appreciate, other commodities also depend on other factors. For example, China is reducing its dollar debt and buying gold in its place (a move which also serves to weaken the USA). Bitcoin? Bitcoin is a store of value, but it is a highly speculative asset that is very tied to the United States. Therefore, Eastern countries, if tensions were to amplify, could ban Bitcoin or limit it or propose other competing cryptocurrencies. Bitcoin would suffer there and then, although I think it would pay off big in the long run. - Main world debt currency: here the situation is clear: countries that align with China, and there are more and more of them, will buy Chinese bonds instead of US bonds as a store of value. Cryptocurrencies could be considered a valid alternative store of value, but only for small percentages (in proportion). Keep in mind that these are fast-growing economies and that China is initiating ten-year expansionary policies even in Africa. - Main trading currency: There will be many. Stablecoins replicate the value of the reference currency, so their diffusion depends on the diffusion of the reference currency. If the dollar is less popular, USDT and USDC will be less popular. Maybe there will be more Chinese stablecoins. While Bitcoin is not a very suitable currency for large commercial transactions: you cannot receive a payment of a very large sum in bitcoin knowing that its value could drop by 30% a couple of weeks later, keeping a balance sheet made up of transactions of this type would be very risky. - Stocks: if the dollar loses value (inflation), US company shares lose value there and then, but then recover quickly. See 2022. But if US trade slowly loses its primacy, US companies will lose customers and therefore long-term value. - Shares of companies involved in energy production: these usually cope with the decline in purchasing power of the currency.

sg291188

Why can’t people just buy USDC off exchange if it’s just to preserve money

elidevious

4. Banking pressure: “Operation Choke Point 2.0” You’ve probably heard this phrase. The claim: Federal bank regulators quietly pressured banks to “de-risk” crypto clients, echoing the Obama-era Operation Choke Point against disfavored industries. Evidence: • Commentators like Nic Carter documented a pattern of supervisory guidance and backchannel pressure from Fed, FDIC, and OCC, discouraging banks from serving crypto firms. • After Silvergate, Signature, and SVB collapsed in 2023, reports noted that the FDIC required Signature’s buyer to drop most of its crypto deposits, feeding the narrative of a coordinated crypto banking crackdown. • FDIC correspondence later surfaced that explicitly treated digital-asset activities as elevated risk, giving more credence to the “Choke Point 2.0” framing. Formally, regulators say they’re just enforcing risk management. Practically, many banks concluded, “Crypto = not worth the supervisory heat.” That’s a soft ban in all but name. ⸻ 5. Sanctions, AML, and the war on privacy tooling Tornado Cash sanctions On August 8, 2022, Treasury’s OFAC sanctioned Tornado Cash, adding smart contracts to the sanctions list — the first time open-source code infrastructure itself was directly targeted as a sanctioned “entity.” • OFAC alleged Tornado Cash was used to launder over $7B, including hundreds of millions stolen by North Korea’s Lazarus Group. • This raised huge civil-liberties questions: if immutable smart contracts are “sanctioned persons,” is using privacy tech itself a potential violation, regardless of intent? Crypto users and developers sued, arguing OFAC exceeded its authority. A federal appeals court later rejected the sanctions as applied, finding they went beyond what the underlying statute allowed. But for most of Biden’s term, Tornado Cash was under a cloud of sanctions, developers were arrested/charged, and using mainnet privacy tools felt legally radioactive. Broader AML enforcement Alongside Tornado Cash, there were stepped-up actions against: • Exchanges and platforms with inadequate KYC/AML • Mixers and DeFi projects alleged to facilitate sanctions evasion and cybercrime ⸻ 6. Stablecoins: treated as proto-shadow-banks The President’s Working Group on Financial Markets (PWG), together with FDIC and OCC, issued a major stablecoin report in Nov 2021: • Highlighted risks of runs, payment-system disruption, and concentration of economic power. • Recommended that only insured depository institutions (i.e., banks) be allowed to issue “payment stablecoins,” and that Congress urgently create a comprehensive federal framework to regulate them like banks. So from the administration’s own working group: “Stablecoins should be bank-like and under bank-level regulation.” That’s not a ban, but it is a big red target on the current stablecoin model (Tether, USDC, etc.), and an invitation to clamp down until they look like regulated bank deposits. ⸻ 7. Mining & environmental angle The OSTP/White House climate report didn’t just analyze; it recommended tools: • Track mining locations, electricity use, emissions, and e-waste • Consider energy efficiency/performance standards • Potentially limit or restrict high-emission mining operations if they conflict with climate goals Combined with state-level moves (e.g., New York’s partial moratorium on certain mining operations), this reinforced the idea that Bitcoin mining, in particular, was fair game as an environmental target — even as many miners argued they were using stranded or renewable energy. ⸻ 8. Tax enforcement emphasis While the IRS first labeled crypto “property” back in 2014, under Biden: • The infrastructure bill’s reporting rules (see §1) were explicitly sold as addressing the “tax gap” in digital assets. • Treasury and IRS repeatedly flagged crypto compliance as a priority area, and IRS got more funding under the broader push to beef up enforcement across high-income and complex assets. ⸻ 9. Big picture: was it a “war on crypto”? If you zoom out: • Narrative from the administration side: • Crypto is mostly speculative, rife with fraud, environmentally risky, and a potential threat to financial stability and sanctions enforcement. • Therefore: heavy enforcement of existing laws, tighter tax reporting, banking supervision, and exploring stricter stablecoin rules. • Narrative from the industry / Bitcoiner side: • SEC refused to write clear rules while suing everyone. • Bank regulators used soft power to de-bank the industry (“Operation Choke Point 2.0”). • The White House’s own reports and rhetoric were openly hostile, not neutral. • Privacy and self-custody tools were treated as suspect by default (Tornado Cash being the poster child). You can call that “prudential oversight” or a “war on crypto,” depending on your priors — but in practical terms, scrutiny and friction massively increased during Biden’s term, especially 2021–2023 after the bull peak and ensuing blowups (Terra, Celsius, FTX, etc.).

pizza_the_mutt

USDC at $9.99. lol.

whatwilly0ubuild

Stablecoin routing makes sense but implementation details matter more than the pitch. The core value is just token swapping with payment abstraction, which DEX aggregators already do. Question is whether enterprise packaging creates real differentiation. Privacy for B2B payments is actually useful. Companies don't want every payroll transaction or vendor payment publicly visible. Competitors can analyze transaction patterns and supplier relationships from on-chain data. ZK privacy solves a real problem for enterprise payments. Our clients doing cross-border stablecoin payments constantly hit token mismatches. Sender has USDC on Polygon, recipient wants USDT on Arbitrum. Current flow needs multiple swaps and bridges adding fees and failure points. Router abstraction fixes this. The middleware concern is valid though. Adding another layer creates new dependencies. If AnomaPay goes down or has liquidity issues, payments fail. Enterprises hate dependencies on unproven infrastructure for critical flows. Fee abstraction is table stakes for enterprise adoption. Non-crypto users don't understand gas tokens. Deducting everything from payment amount in stablecoin terms removes massive onboarding friction. Devnet status is concerning for serious evaluation. Until mainnet with real liquidity and proven reliability, it's vaporware. Lots of projects have great whitepapers and terrible execution. Practical barrier: most enterprises doing stablecoin payments are still figuring out basic treasury and compliance. Adding privacy layers complicates legal and accounting workflows. Market might be smaller than the pitch suggests. Honest take: routing concept is solid and privacy has enterprise value, but succeeding requires solving liquidity, reliability, and compliance challenges way harder than the technical implementation. Watch for mainnet usage and enterprise case studies, not devnet announcements.

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Post is by: Loirbj and the url/text [ ](https://goo.gl/GP6ppk)is: /r/antilnflation/comments/1pf4st8/how_would_you_manage_this_tiny_afusdc_pool/ I’m experimenting with managing the AF/USDC liquidity pool on Polygon and I’d love some feedback from people who know AMMs better than me. Right now my understanding is roughly this: to avoid crazy price moves, I shouldn’t just dump or pull big chunks of AF or USDC. Instead, I should try to keep the USDC/AF ratio in the pool close to a “fair” price and adjust slowly as new USDC comes in – adding or removing liquidity and releasing AF little by little so the price doesn’t crash or spike too hard on small trades. Here is the current position on QuickSwap (Polygon): https://dapp.quickswap.exchange/pool/positions/v2/0xe2063754301243c710ba412d24ac988979877f5a?chainId=137 For those with more experience in liquidity management on Uniswap‑v2 style AMMs: -Is this a good way to think about it, or is there a better mental model? -How would you manage a small AF/USDC pool if the goal is stability and learning, not pumping the chart? -Any concrete tips on when to add/remove liquidity vs. just letting traders move the price? AF is a small deflationary experiment, so I’m mostly trying to build good habits and understand best practices rather than play games with the price. *I am a bot, and this action was performed automatically. Please [contact the moderators of this subreddit](/message/compose/?to=/r/CryptoMarkets) if you have any questions or concerns.*

Aggravating-Club4003

Change the price chart of BTC price in USDC to the price of USDC in BTC (how much BTC you need to buy 1USDC) and youll see it clearly, dollar, euro and other government backed currencies are always inflationary, as they can always print more and devalue it basically. There is a limited amount of BTC so it is inherently deflationary, meaning supply is capped and offer (is supposed to) keep growing. While the Us of Europe keep their currencies pretty stable (and that involves a lot of politics that i dont know about, wages, rents, etc all influence the "stability" of a currency), the most return youll get against inflation (your money having less purchasing value) is with limited supply assets, like BTC, gold, etc

Phine420

Borrow out and lend USDC, don’t Sell your btc

Leading_Wafer9552

I wouldn't trust CB. People are constantly reporting changing cost basis reports on CB, and if you for example take a loan from someone where they send you USDC to your CB address, then CB will automatically calculate that as a gain on the report they give you, even though the amount was just a loan you took from someone else. Happened to me. If you're just inputting that report to the automated tax software then your report may come out inaccurate. It's also worth noting CB is a complete ripoff when it comes to staking rewards. The payout on chain are usually much larger. CB definitely takes their cut.

MinimalGravitas

> Verra has partnered with Hedera and the Guardian to bring more credibility and standardization to its methodologies. Verra are already the industry standard... both examples I gave (Toucan NCT and Moss) are verified by Verra (and have been for years). * https://carbonadvisor.org/mco2-amazon/ * https://docs.toucan.earth/resources/archives/nct-pool-party-report As with so many things that come out of Hedera, a lot of this seems intended to give the false impression of innovation. Just like when they made a big announcement about deploying Snaps to integrate with Metamask, without mentioning that 41 other projects had done before them. Or when there was a viral hype campaign about tokenization by Blackrock on Hedera, which actually turned out to just be a random other company bridging some of the RWAs that Blackrock had actually tokenized on Ethereum. Or when they post marketing about USDC adoption on Hedera, while neglecting to mention that there are 15 chains with more USDC, and the amount actually on Hedera is negligible (only about 0.1% of the total). It all seems targeted at low-information marks who don't know enough about the broader ecosystem to understand the context of claims being made.

KrisNaga91

When I saw USDC slip off the dollar I took it as a warning that even stable stuff can wobble. Best Wallet just worked for me because I could open it on my phone, see the numbers, and move a little out without hunting through menus. Now I just keep what might cover a few bills and I expect bumps.

DBRiMatt

My ETH/USDC liquidity position is loving this xD

Dopest_Trip

This was the AI response I received when I was researching: Morpho Blue, the core of the Morpho lending protocol, operates through a single, immutable smart contract called Morpho.sol deployed on Ethereum-compatible blockchains. This contract serves as a permissionless primitive for creating and managing isolated lending markets without centralized governance intervention after deployment. All markets exist within this one contract, which optimizes gas efficiency and allows unified access to liquidity across markets.   Key Components and Architecture • Market Struct: Each lending market is represented by a lightweight data structure within the Morpho contract. It includes: • Total supply and borrow assets/shares. • Loan token (e.g., USDC or WETH, the asset being lent/borrowed). • Collateral token (e.g., wstETH, used to secure borrows). • Price oracle (custom, oracle-agnostic; e.g., Chainlink or Uniswap TWAP, returning prices scaled to 1e36). • Interest Rate Model (IRM, a governance-approved contract that calculates dynamic rates). • Liquidation Loan-to-Value (LLTV, a ratio like 0.86 for 86% max borrow against collateral value). • Fees and last update timestamp for interest accrual.Markets are isolated, meaning risks (e.g., bad debt) don’t spread between them, enhancing security.   • Position Struct: Tracks individual user positions per market, including supply shares (for lenders), borrow shares (for borrowers), and collateral amount (in assets, not shares).  • Governance and Immutability: The contract is immutable (~650 lines of code for auditability). A minimal governance module (e.g., via a DAO) approves new IRMs, LLTV options, and sets protocol fees (0-25% of interest), but cannot pause, modify, or delete existing markets. This reduces attack surfaces and ensures trustlessness.  

marcushe

I do not believe it is a scam, it is doing very well in Texas and its virtual mining structure is absolutely phenomenal with a great web interface. It is very convenient to pay a one-time fee for a hash rate and return just like you would a real physical miner, without all the hassle. A real physical miner is a one-time fee for a hash rate forever too. Texit has 5X'd in the past year when everything else is down. It's up to $150 million market cap as of this post and looks great. Once you sign up for mining, they will mail you a cold storage coin. And you will use an app on your phone to generate a wallet from scanning the QR code on the back of the coin. Then you can start receiving your mining purchase to your wallet as USDC, Texit, or more hash mining power. There is a bit of a pyramid to it I guess, it's being fueled by some boomer groups that love pyramids - but it's really a referral flow for mining and rewards. To me as a crypto guy it looks extremely interesting and promising. It's finally a way to pool mine with a wonderful web interface, and all American owned. Trump says he is considering removing capital gains on American Cryptos just like Texit. There are Texas businesses accepting it as payment and it has a nice Texit wallet payment app. Texit is it's own chain, so it is very fast with transactions - and you can purchase it on-chan via a wrapped ETH coin. I signed up for 200 hash and it has been working great. I was referred from my Aunt and she received a hash reward for me being her third referral. If you decide to purchase some mining hash power at [https://minetxc.com/intro#sign-up](https://minetxc.com/intro#sign-up) (Currently $995 per 100 hash) it would be wonderful if you could throw in quick a favor and make sure to type me in as your Sponsor ID on the sign up form as "marcushe". Thanks so much!!!

Zavialeth

USDC🫡

uncapchad

Not much difference, just the set of coins/tokens (BTC, USDC, USDT, and USDG) + what OP said about rewards. Opt-in is not available to US Customers The opt-in coins/tokens are not "staked" on-chain which is what traditional staking does - locking up coins to secure the blockchain network. Although I'm not sure that staking on exchanges is actual staking. Bit vague on that. Staking is subject to regional laws so some US customers can stake

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wintomato

You’ve already hit most of the big ones. BTC definitely reacts to macro stuff more than people like to admit. A few other things that can move the price: • Liquidity + risk sentiment - when markets shift to “risk-on,” BTC usually benefits. When fear hits, everything dumps together. • regulation news - anything from the US, EU, or big Asian markets can cause instant swings. • Exchange issues - hacks, outages, or big insolvency rumors can shake the market fast. • Stablecoin flows - Tether/USDC minting or burns can influence short-term moves. And yeah, BTC watches the S&P 500 too, not as tightly as NASDAQ, but the whole US market mood definitely spills over.

_BreakingGood_

USDC happened. Instant transfer, virtually zero fee, and no volatility. It is everything the lightning network was trying to solve, and more.

VicoxLegal

I completely agree with you, and it is a strategy that many investors who have been in the market for several years follow. Having a significant part in USDC/USDT (or regulated stablecoins such as EURC, USDP, etc.) gives a lot of peace of mind, especially when you have already lived through several cycles. I myself recommend to clients that, once they have managed to multiply their initial capital, they transfer 40-70% to stables and only leave “play money” in altcoins or Bitcoin. Regarding what to do with these stables today, the most common and safest options in 2025 are: CeFi with decent interest and low risk → Kraken → 5-6% on USDC/USDT → Nexo → up to 12% (with insurance and possibility of withdrawing whenever you want) → Coinbase → ~5% and very liquid DeFi “low-risk” (no strong impermanent loss) → USDC/USDT Pools on Curve + crvUSD stake → 4-8% realistic → Aave / Compound → 4-7% lending stables → Pendle or Yearn with conservative strategies → 6-10% without touching memecoins Tokenized RWA (Real World Assets) → Centrifuge, Maple → 8-14% lending to real companies with real estate collateral or invoices (the quiet “new boom” of 2025) Simply leave it in cold wallet or Coinbase/Kraken without touching it → 0% performance but 100% control and zero fear of exploits In the end the trick is: the bigger the bag of stables, the more you want it to yield something... but without getting into the roller coaster again.

watch-nerd

It’s awesome. USDC TVL on Ethereum will moon.

Elemental_Breakdown

So you think lump dumping everything right this minute is going to make you rich? Gold has doubled in the last year, silver is getting up there and both will always have value. You need to be one of the main characters in a heist movie, I'm convinced that's the only get rich quick scheme that works. Lmk when you want to meet with a ladder next to a museum 😜🤣 Buy USDC and place some limit orders, then loan out your USDC at 7-10% while you're waiting for the orders to fill and another year or so to see a decent run. You might make 20%. Get rich quick on btc is over. But do you have an eye for art and balls of tungsten to pull it off? 😉

CryptoNerdSmacker

Ripple Labs (RLUSD) and Circle (USDC) are going to feast on USDT’s corpse. Folks should get it in on those stablecoins’ native chains. The volume is going to create some nice organic flywheel utility for their native tokens operating as gas, etc.

morefundsneeded

Where are you getting 20% return on USDC?

Miserable_Twist1

Paid in USDC? I guess it's convenient for the business, but its worse than regular dollars. At least with regular dollars it's more liquid for all investment vehicles including basic interest bearing accounts. Plus, you still carry the third-party risk of Circle. The only benefit here is it slightly more convenient to convert it into crypto assets. 

some_yum_vees

coindepo.com pays out 18-24% on stables. I'm testing it with $100 worth $USDC currently.

jammermass

If you're scared about the hacks and exploit you shouldn't be holding usdc too. USDC can depegg for all we know and then you lose the "stable" coin as well. No risk is no reward

awesomeblindingyou

Good that you stacked USDC, but it's value is deteriorating as we speak. Maybe explore some DeFi options in where you can earn some passive income (no volatility). And then you can earn while waiting for better market conditions.

coinfeeds-bot

tldr; Wirex has partnered with the Algorand Foundation to integrate USDC on the Algorand blockchain, enabling over 7 million users and 80 million merchants to access fast, borderless stablecoin payments. This collaboration allows transactions to be processed and settled entirely on Algorand, offering transparency, scalability, and instant on-chain settlement. The partnership aims to advance stablecoin adoption for global payments, remittances, and business transactions, combining Wirex's payment infrastructure with Algorand's blockchain technology. *This summary is auto generated by a bot and not meant to replace reading the original article. As always, DYOR.

noviwu97

you repaid your loan by buying BTC with $32k, so now you have 48k USDC and you can take all of your BTC that's worth 40k. So your current portfolio is 88k

diradder

> They are pegged to the dollar. They don’t need to beat inflation. Tether is a business endeavor of iFinex, they do need to make profits and if these profits do not beat inflation, it means they are not making profits. Their peg is only a feature of their product (USDT), that keep people using this service. If you want some kind of public service where profits are not required/abstracted, you want to involve a government, not a business... so is your answer, Tether should not be a business after all of this? > They need to run their business on tight margins and they’ll still get billions per year. interest on cash equivelents and fees are their moneymakers. Sure, try to convince their shareholders that they should be content with the minimum yield possible and the risk of not getting profits if inflation outpaces whatever they could get... that's just not how businesses work in liberal capitalism. > Saying they have 80% in cash and cash equivalents seems really bad to me. I think they’re claiming its higher. Not for 2025. That's likely one of the reasons their rating got decreased. They are taking more risks, they are betting on a recovery after the current downtrend, and they certainly are not alone on this. But I agree with you that they take more risk than they should, hence my avoidance of that asset as much as I can. But it's totally understandable that people can factor all of these risks and still use it (because it's most liquid, most convenient/prevalent on the market, has less oversight than other stables that are more ingrained US banking like USDC). > Having stablecoins backed by any amount of crypto also seems really bad to me. Any run on one, will coincide with a run on the other. > To prevent a collapse if users and arbitrage don’t cover the spread, then they need to buy it back immediately. If it dropped just a few points it would take a massive amount of money very fast to maintain confidence. This seems like a difficult thing to do amidst some sort of market panic event. This has been tested multiple times, events like FTX or COVID didn't really impact the peg as iFinex manages the supply based on this and preserves it. If they were just printing USDT "out of nowhere", such events would be noticeable on USDT's price history as liquidity is key in such cases.

theweb3voyager

Buy memes. Lose money, lose your parents trust. Easy. Or just start with the basics, earn USDC yield on AAVE or Spark.

watch-nerd

Tether transactions are P2P, but the monetary policy isn't, as you point out. It's centralized. And it's not censorship resistant, either. Tether (or Circle) could debank you. That being said, I use USDC for practical purposes, but it's just for convenience. From a monetary rights POV, it's no better than T-bills, and in some ways worse.

watch-nerd

It's clear you don't understand, or at least believe in, the whole point of crypto. I use stablecoins, specifically USDC. But they're not censorship resistant in the way Bitcoin, Ethereum, etc, are. Both Circle and Tether could decide to debank me and block access to my funds. Nor are they independent of monetary policy and devaluation by government. Both of these are the reasons to buy crypto. If you just want something that makes fiat money, there are plenty of choices in the traditional financial markets. Or in casinos.

ego157

Good comment. Even better strategy I have been using at scale since 2017 is always keep even amounts in a Coin as ETH and in USDC. So then you always have both options: Buy back in. And sell at the (current) peak.

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Prahasaurus

Only issues I’ve ever had were Coinbase freezing my account for no reason for 8 months. They later apologized and sent me 100 USDC. No thanks, I’ll custody my own tokens.

watch-nerd

I meant a little higher than USDC's B+.

GateNk

Seriously, how will they buy groceries with their USDC?

coinfeeds-bot

tldr; Coinbase has initiated a crypto-based universal basic income (UBI) pilot in New York City, distributing $12,000 in USDC to 160 residents over five months. Participants receive $800 monthly payments and a one-time $8,000 lump sum. The program, funded by Coinbase's donation to a nonprofit, aims to test the effectiveness of crypto payments in low-income areas like the South Bronx and East Harlem. The pilot explores how digital wallets and lump sums impact financial behavior compared to traditional banking methods. *This summary is auto generated by a bot and not meant to replace reading the original article. As always, DYOR.

The-Real-Recruit

yeah you're good, ERC20 is just the ethereum standard for USDC

twixx09

Conversational Stablecoins have definitely shown impressive transaction volumes! But I wonder if comparing them directly to Visa is a bit apples-to-oranges? Visa processes billions of small daily transactions while stablecoin transfers tend to be larger and less frequent. Are you thinking about this from a total volume perspective or something else? Been watching USDC and USDT's growth myself and it's pretty wild.

Nixisworld

Depends, i get paid in stablecoins $USDC being the most common on Solana. For me it works perfectly as i can use it with my Bybit card to buy groceries, gas, or anything else. And i can also use it to buy bitcoin and invest in other things directly, without my bank giving me shit about it.

IanCFW

USDC exists on multiple blockchains, and that's what's causing confusion. When the site says "make sure your wallet supports USDC to ETH," they're referring to USDC on the Ethereum network (ERC20 standard). Trust Wallet telling you to use "USD Coin (ERC20)" is confirming this is correct - they're both talking about Ethereum-based USDC. Just make sure you're sending to the correct Ethereum address in Trust Wallet and selecting the ERC20 network on the sending platform. Never send to the wrong network or you might lose your funds. Double-check addresses before confirming and maybe start with a small test transaction.

samuscoped

USDT/USDC/BTC/ETH = yes

ETHTradr

You need to be careful because if USDC sure that’s a great move imo store whatever you need to buy in crypto fast with it and withdraw to pay bills/have some lifestyle expenses for the bills. You need to however consider the volatility of crypto if it goes against you and you got paid in BTC you WILL have to suffer any consequences that comes with it. Other than that pretty neat to get paid in crypto for sure

Fear_Blind83

You're good to go, just keep in mind that you will need ETH to cover the gas (network fee) should you want to move or swap the USDC in future.

Adventurous-Use-7737

Copy that Gold Leader. I need to keep 10k of USDC to earn 2.5% BTC back. Is that 10k safe?

airwickxd

I think this theory oversimplifies the relationship between US government policy, stablecoins, and Bitcoin. While stablecoins like USDC do hold US Treasuries as reserves, this isn't evidence of a government scheme to support Bitcoin adoption. The Treasury market is simply the most liquid, safest dollar-denominated asset market available. The US government has actually shown significant regulatory concern around stablecoins, with various agencies pushing for more oversight, not encouragement. The SEC, CFTC, and Treasury Department are focused on risk containment, not on creating a "crypto game" for debt financing. China reducing US debt holdings is a separate macroeconomic issue related to their own

Ninam1101

**Educational** Bitcoin and stablecoins serve fundamentally different purposes in the crypto ecosystem. While stablecoins like USDC or USDT maintain a peg to fiat currencies (usually USD), Bitcoin was designed as a decentralized alternative to government-issued money with a fixed supply cap of 21 million coins. Stablecoins help with day-to-day transactions and mitigate crypto market volatility, but they don't protect against inflation of the underlying fiat currency they're pegged to. If the USD loses purchasing power through inflation, a USD-pegged stablecoin will lose the same value. Bitcoin, meanwhile, has a programmatically limited supply that

alihuda1992

Educational: What's happening here is a clash between traditional banking values (central control) and crypto's original vision (decentralization). When banks call freezable stablecoins "appealing," they're essentially endorsing a feature that undermines one of crypto's core principles: censorship resistance. The ability to freeze assets means someone has authority to decide who can and cannot access their funds - exactly what Bitcoin was designed to prevent. Stablecoins exist on a spectrum of centralization. USDC and USDT have blacklisting capabilities and comply with law enforcement requests. Meanwhile, projects like DAI aim for more decentralized approaches, though they're not perfect either. This tension highlights crypto

SevereArrivals13

Moons, fantastic deflationary tokenomics, growing use cases, top exchange listings, supported by the largest crypto community in the world, has a growing treasury in USDC as well which will be used to fund listings, buybacks and earn APY. No other project has these partnerships and this is only in the past 2 months or so. https://docs.google.com/spreadsheets/u/0/d/1TZVE_3DCbox2bfObBXvYcOZOMNw62l6bjZfGLD-g2rA/htmlview#gid=0

BunnyKomac

Depends how you get paid, if it's USDC or USDT, it's safe, can fluctuate a tiny % but it's stable. If you're paid in the coin of your company then it's a bit more volatile, depending on the market cap of the coin. The higher it is, the less volatile it can be. If you wanna invest what you earn, then it's a bit easier since you can just directly buy your favorite coins instead of having to first deposit from the bank and then doing everything else. Hope I was clear enough lol.

SevereArrivals13

Yep and Moons have infinitely more going for them Just take a look at our recent advertisers below, no other project can brag of having worked with these names and we are only growing our burns, liquidity and maybe most importantly our treasury in USDC which could be used for future listings, buybacks, APY yield generation or anything else we decide on. https://docs.google.com/spreadsheets/u/0/d/1TZVE_3DCbox2bfObBXvYcOZOMNw62l6bjZfGLD-g2rA/htmlview#gid=0

arctic_bull

Neither does any major stablecoin on a public chain. The actual dollars are custodied at the issuer and the issuer can freeze the USDT or USDC (and several others) in your wallet by publishing your wallet address on their blacklist that all the miners check.

Y0l0BallsDeep

There are two undisputed facts about this company that still stand until this day: 1. Founding/ current management team are sketchy as hell. 2. They have never had a comprehensive financial audit by a major accounting firm under standard audit practices. This isn’t FUD, this is the truth. People shouldn't trust the tether foundation instead chooses USDC, Paxos...etc

funkinaround

Here is what I see in the Deloitte opinion of the Circle S-1 > Deposits from Stablecoin Holders—Refer to Note 2 to the Financial Statements > Critical Audit Matter > Deposits from stablecoin holders are funds received from customers from the issuance of Circle stablecoins. This represents claims from the stablecoin holder associated with Circle’s obligation to redeem stablecoins on a one-for-one basis. Circle stablecoins are the USDC and EURC payment stablecoins and are digital currencies issued natively on blockchain networks. All stablecoins issued and outstanding are backed by at least an equivalent amount of fiat currency denominated reserve assets. Stablecoins not accounted for could result in the amount of claims from the stablecoin holder to be more than the amount of reserve assets. > We identified deposits from stablecoin holders as a critical audit matter due to the fact that the issuance and redemption of stablecoins requires complex computer code operations and smart contracts. The nature and extent of audit effort required to address the matter includes significant involvement of more experienced engagement team members and involvement of specialist. > How the Critical Audit Matter Was Addressed in the Audit > Our audit procedures related to deposits from stablecoin holders included the following, among others: > • We tested the effectiveness of controls over management’s minting and burning process for the issuance and redemption of stablecoins. > • We tested effectiveness of controls over management’s reconciliation of reserve assets to stablecoin in circulation on approved blockchains. > • We utilized our proprietary audit tool and involved specialists to independently obtain evidence from public blockchains to test the completeness of stablecoins minted and outstanding by blockchain. > • We evaluated the reliability of audit evidence obtained from public blockchains. If they were able to tie every deposit and withdrawal to a USDC mint/burn and verify the entire history, wouldn't they say that rather than "testing effectiveness of controls" and "obtain evidence".

CarriesLogs

Believe it or not but Circle is the one that mints and burns USDC. Their financial statement audit would include auditing their cash and all of these mints and burns of the stablecoin USDC. P.S A CPA who has worked for big 4

funkinaround

A financial statement audit of Circle is not a USDC stablecoin "full audit".

milnivek

https://www.binance.com/en/trade/USDC_USDT?type=spot Look at the orderbook liquidity at 0.9999 and 1.0000

coinfeeds-bot

tldr; Upbit, a South Korean cryptocurrency exchange, reported a $36 million hack involving Solana-based assets on November 27, 2025. The breach affected tokens like SOL, USDC, BONK, and others, with stolen funds sent to external wallets. Upbit suspended Solana network services and initiated emergency inspections to protect user funds. The incident coincided with Dunamu's announcement of a partnership with Naver to invest in AI and Web3 technologies. Upbit assured users it would cover losses using its own assets, highlighting vulnerabilities in hot wallet systems. *This summary is auto generated by a bot and not meant to replace reading the original article. As always, DYOR.

thinkingperson

Every now and then, there are questions about USDC or USDT. This week we have USDT at the podium.

AryanPachhai

Backpack definitely looks shiny on first impression — clean UI, big investors, and the whole “new but promising” vibe. Totally get why it caught your eye. Just remember newer platforms still have to prove themselves over time, so I’d treat it as something to try, not somewhere to keep most of your funds right away. A few things from my own trial-and-error: • High leverage (like 50x) is more of a marketing thing — even experienced traders rarely touch that. • USDC lending at ~6% is fine, just be aware that yields usually depend on market demand, and rates can drop fast. • What matters more long-term is how smooth deposits/withdrawals are and whether they have consistent liquidity. If you want something more established to pair with it, Kraken Pro has been the most “no drama” for me. Some folks also use OKX/Bybit for trading tools, then self-custody for anything they’re holding. And for tokens not listed or if you want to move across chains without relying on an exchange, I’ve used Rubic here and there — people talk about it in Rubic a lot. If you do try Backpack, report back — curious how their fees feel in real use.

Slimalicious

USDC literally provides the CUSIPs of their T-Bills.

funkinaround

Show me the "full audit" of USDC.

funkinaround

Tether does the same audit (attestation) as USDC.

funkinaround

USDC is just as audited as Tether.

OrdinaryReasonable63

USDC is GENIUS ACT compliant, so it's backed by treasury bills and is audited. IIRC they are technically held in custody for USDT by Blackrock but they publish audits, you can look at the portfolio of holdings here: [https://www.blackrock.com/cash/en-us/products/329365/](https://www.blackrock.com/cash/en-us/products/329365/) Tether: ??

StatisticalMan

USDC does not have fractional backing and it is backed only by dollars. 1 USDC = >$1 USD held in reserve. USDT on the other hand who knows. Trust me bro cryptography.

Routine-Tomato-6896

it's like escaping one sinking ship by jumping onto another slightly less leaky boat, the irony is real but hey at least USDC doesn't randomly lose 50% overnight when their president tweets something stupid

_Commando_

USDT, USDC are following the same fractional reserve banking practices as banks... so banks are now salty?...

StatisticalMan

Tether has never been backed 1:1 WITH DOLLARS which is the key thing. Tether has $x worth of "stuff" backing x USDT. That stuff includes crypto currencies which can and do lose value. USDC is backed 1:1 with dollars and audited and under regulatory oversight. Tether is and always has been "trust me bro". It will work until it doesn't.

CloudCity40

USDC https://www.circle.com/transparency

Patient-Lifeguard906

It seems to me that it only accepts USDC. Personally I put my DCA on hold there. When the prices of the cryptomoners in which I regularly invest fall, I withdraw what I want for my DCA, for the moment I am a winner, it works well. Transfers are instantaneous, on the Solana network. I wouldn't spend a fortune on it because according to my research Lince is a fairly recent dapp. But I put between 100 and 500 usdc which comes and goes.

NoStress42069

USDC I think yes last I used was 6% but you know the risks of staking

Crypto4Canadians

Check out Bitget as you can earn on both USDC and USDT. They're KYC. I've actually made a YouTube short showing people step by step on how to earn interest on USDC with them if you're interested: [https://youtube.com/shorts/9Wk2S6zIWe4](https://youtube.com/shorts/9Wk2S6zIWe4) I hope that helps and feel free to ask any questions if you've got any.

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Calm-Professional103

My USDC yield

Routine-Tomato-6896

people literally using USDC to buy groceries because their own currency is completely fucked

OkMathematician168

at least stablecoin like USDC will become mainstream. - it complies to regulations, - backed by us treasury, FED loves this - circle is public trade company

UzItOrLuzIt

True, no brick and mortar offerings but Coinbase is actually offering loans that you can use for whatever you want. That said, lets flip the script a little...what yield on cash/USDC does JPM pay vs. Coinbase? What are their protocols for custodying my coins? What coins do they allow direct swapping between? How long does it take for them to settle funds for my international transactions? What are their fees for secure transactions (wire transfer)? What are their hours of operation? One entity is building for the future, the other is clinging to the past.

oak1337

XRP is a memecoin in a business suit. They are delusional, bots, or paid shills. They have a max TPS of 1500 theoretically. This can't handle one payment network (Visa does 10-20kTPS), let alone world finance. They've pivoted several times and are failing each time. Cross border payments? Anyone can do that - DOGECOIN can do that. They want to be a bank? LOL nope. Pivot to Stablecoins with RLUSD? No one wants to use it, there's better options like USDC. More than 80-90% of "Ripple partnerships" will NEVER touch XRP. Only 50% of the XRP supply is released, plenty of dumping on retail remains. On Demand Liquidity ODL - LOL - are they saying that world finance doesn't have the LIQUIDITY to function??? Hedera Hashgraph is superior by every metric, and is a true utility. Hedera Consensus Service (HCS), Hedera Token Service (HTS), EVM Smart Contracts, Stablecoin Studio, RWA Tokenization Studio, AI Agent Studio, NFT Studio, etc etc -- UTILITY. HBAR has superior (best mathematically possible) security, unlimited scalability, is more decentralized. The Trilemma is defeated. HBAR > XRP

Aerocryptic

How having USDC can be considered disruptive? Like seriously? Another defi L1 with the same functionalities that many already have. Who cares about speed these days? Blockspace has become so cheap that you can use all the major L1s and L2s without any bottlenecks issue

GivePianoMotivation

What other layer 1’s have had USDC on day one? The speed and ethereum compatibility definitely is disruptive.. having worked with some of the management team, I’m placing my bets

GivePianoMotivation

A new layer 1 just launched that’s industry disrupting, competing with Solana, and is at #127 with USDC native on day 1, and you aren’t absolutely filling your bags? Monad Top 10 Q1 2026.

fivebillionproud

I find the timing of this story weird. Maybe it's a coincidence, but just days prior to this, all of the attention was on Cardano's stable coins depegging, which reignited discussion and fingerpointing over the fact that Emergo and Cardano Foundation still haven't gotten USDC or USDT on Cardano. Charles said in a tweet that he's not responsible for getting a stablecoin on Cardano, and says it's the Foundations job. Then this exploit happens and all entities supposedly come together for the chain and its holders, which I guess eased concerns that they're incapable of working together. Hooray. Maybe \*\*this\*\* \*\*time\*\* they're serious on getting things done? No need to talk about stablecoins, guys! Look what Cardano just did! Just ignore that ADA is way lower than 2017/2018 peak! The whole thing is weird to me.

One-Tough9061

Also to update you all.. during this 1.5 months, I have invested (DCA+spot trade) 45k USD, still have 12k USDC to ride through the fear market. CMC now is 10, meaning extreme fear and I see the price already bottoms at 80K and today it bounced back to 87K. We are still in cycle 4, past 1 month is NOT bear market, but a mid term trap. I think ATH will be around Q1 2026 at 150-180K follow by 1 year bear market till EOY 2026 This is definitely not financial advise, the reason I could invest so heavily is because I want BTC to take up a certain percentage of my portfolio. Even now am not there yet. So portfolio rebalancing is more prudent than go all in